7 Portfolio Rules From Bill Bernstein Every Investor Should Know

Описание: Bill Bernstein lays out simple, evidence-based rules for building resilient portfolios and staying invested through crises.
Topics include savings targets, total-market allocation, modest tilts, rebalancing, cash/TIPS, and behavioral discipline.
Why 15% may be adequate for lower/middle incomes and why high earners should target ~20% (total contributions can approach ~30%).
Design portfolios to survive the worst 2% of outcomes so you’re unlikely to interrupt compounding in a crisis.
Start with broad-market exposure (total stock market); limit small-cap tilts to roughly 25–33% of the equity sleeve.
Rebalance on a multi-year cadence (about every 2–4 years) or by thresholds; avoid frequent taxable rebalancing to reduce tax drag.
Use short-term cash for liquidity, consider TIPS ladders for retirees, and reduce concentration risk by taking gains on outsized winners.
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